20.500.12556/DKUM-96355 Analiza potrošniških kreditov v podjetju LES-MMS d.o.o. Analysis of consumer loans in the company LES-MMS d.o.o. Diplomsko delo obravnava analizo potrošniških kreditov v podjetju LES-MMS, d. o. o., specializiranem za prodajo pohištva in opreme za dom. Podjetje omogoča nakup na obroke prek potrošniških kreditov, kar predstavlja ključen del poslovnega modela. Raziskava zajema pregled zakonskih podlag, postopkov pridobivanja dovoljenj, organizacijo kreditiranja, sodelovanje s partnerji (NLB Buy&Go, Leanpay), druge oblike plačil, obvladovanje tveganj z zavarovanjem prek Zavarovalnice Triglav, digitalno podpisovanje prek SETCCE in procese v sistemu ITS4P. Posebna pozornost je namenjena merilom kreditne sposobnosti, vrstam kreditov in poizvedbam za prevzem rizika. Analiza izpostavlja visoke stroške zavarovanja in kompleksnost postopkov pridobivanja dovoljenj kot glavne izzive in priložnosti za digitalizacijo. Rezultati kažejo, da digitalne rešitve povečajo učinkovitost in zmanjšajo tveganja, skladnost z zakonodajo pa zagotavlja stabilnost poslovanja. The thesis analyzes consumer loans in the company LES-MMS d.o.o., specialized in furniture and home equipment sales. The company offers installment purchases through consumer loans, which are a key part of its business model. The research covers legal frameworks, permit procedures, credit organization, cooperation with partners (NLB Buy&Go, Leanpay), other payment options, risk management via Triglav Insurance, digital signing through SETCCE, and processes in the ITS4P system. Particular attention is given to creditworthiness criteria, loan types, and risk assumption inquiries. The analysis highlights high insurance costs and permit complexity as main challenges, along with opportunities for digitalization. Findings show that digital solutions increase efficiency and reduce risks, while legal compliance ensures business stability. potrošniški krediti LES-MMS d. o. o. zakonska ureditev obvladovanje tveganj digitalno financiranje. consumer loans LES-MMS d.o.o. legal framework risk management digital financing. true true false J. Koprivc] Slovenski jezik Angleški jezik Diplomsko delo/naloga 2025-12-21 12:57:42 2026-05-07 12:42:26 2026-05-08 03:09:27 0000-00-00 00:00:00 2026 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.77 277380355 UN_Koprivc_Jan_2026.pdf UN_Koprivc_Jan_2026.pdf 1 F042E65D2153574C4A10DE55CC3E8D08 3b8b4994b625606d3c1251a8a7791bd7bbd0213e016e0ded4308a89ca91c7125 0a1f0537-381c-11f1-9f68-00155d0001a1 https://dk.um.si/Dokument.php?lang=slv&id=205296 Ekonomsko-poslovna fakulteta 0 0 0